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MainStreet Bancshares
(NASDAQ:MNSB)
MainStreet Bancshares (MNSB) vs. SPDR S&P 500 ETF (SPY)
MainStreet Bancshares Business Overview & Revenue Model
MainStreet Bancshares Earnings Call Summary
MainStreet Bancshares Financial Statement Overview
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 137.87M | 127.76M | 88.68M | 70.31M | 69.52M |
| Gross Profit | 59.06M | 78.44M | 72.91M | 60.82M | 49.82M |
| EBITDA | -9.27M | 35.57M | 35.97M | 30.32M | 21.70M |
| Net Income | -9.98M | 26.59M | 26.67M | 22.17M | 15.72M |
Balance Sheet | |||||
| Total Assets | 2.23B | 2.04B | 1.93B | 1.65B | 1.64B |
| Cash, Cash Equivalents and Short-Term Investments | 48.92M | 113.51M | 111.56M | 161.74M | 223.35M |
| Total Debt | 73.04M | 87.64M | 172.25M | 29.29M | 14.83M |
| Total Liabilities | 2.02B | 1.81B | 1.73B | 1.46B | 1.48B |
| Stockholders Equity | 207.99M | 221.52M | 198.28M | 188.79M | 167.66M |
Cash Flow | |||||
| Free Cash Flow | 8.95M | 25.63M | 25.76M | 24.82M | 15.73M |
| Operating Cash Flow | 14.74M | 31.63M | 33.54M | 29.12M | 17.02M |
| Investing Cash Flow | -122.28M | -130.75M | -228.74M | -60.52M | -313.79M |
| Financing Cash Flow | 200.73M | 83.03M | 232.59M | -14.20M | 339.45M |
MainStreet Bancshares Technical Analysis
MainStreet Bancshares Risk Analysis
MainStreet Bancshares Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $129.00M | 10.81 | 9.24% | 2.93% | 9.89% | 2.74% | |
68 Neutral | $122.34M | 18.03 | 5.67% | ― | 6.51% | 28.94% | |
67 Neutral | $17.09B | 11.28 | 9.28% | 3.81% | 11.08% | -4.02% | |
67 Neutral | $148.20M | 15.17 | 7.23% | 4.07% | 9.70% | 18.24% | |
64 Neutral | $159.86M | 14.43 | -4.04% | 1.95% | 4.00% | -172.13% | |
58 Neutral | $113.27M | 23.20 | 3.11% | 1.48% | 9.61% | 29.84% |
MainStreet Bancshares Corporate Events
On July 23, 2025, MainStreet Bancshares, Inc. announced a cash dividend of $0.10 per share to be paid to common shareholders on August 13, 2025, with a record date of August 6, 2025. Future dividends will be considered based on the company’s financial condition and other factors, highlighting the Board’s ongoing evaluation of its financial strategy.
On July 22, 2025, MainStreet Bancshares, Inc. reported strong second-quarter earnings with a net income of $4.6 million and a net interest margin of 3.75% for the quarter ended June 30, 2025. This represents an increase of $2.1 million and 45 basis points from the previous quarter, respectively. The company’s strategic balance sheet management and strong asset quality contributed to this performance, with net interest income expanding to $19.3 million and earnings per common share rising to $0.53. The loan portfolio remains robust due to disciplined credit practices, and the company maintains an active share repurchase plan as part of its strategic capital plan.
On July 8, 2025, MainStreet Bancshares, Inc. announced plans to hold a virtual webcast and quarterly earnings conference call on July 22, 2025, to discuss second quarter results and recent activities. This event is significant for investors as it provides insights into the company’s performance and strategic updates, potentially impacting stakeholder decisions.
On July 7, 2025, MainStreet Bancshares, Inc. announced the promotion of Alex Vari to Executive Vice President and Chief Financial Officer of MainStreet Bank, highlighting the company’s strong leadership and internal growth. This promotion reflects the bank’s commitment to strategic growth and value creation, as Vari has played a significant role in developing the company’s Sarbanes-Oxley internal control framework and will continue to work closely with Tom Chmelik, the CFO of the holding company, to enhance the bank’s financial operations.
On May 30, 2025, MainStreet Bancshares, Inc. reported a data security incident involving an outside vendor that was compromised in March 2025. The company determined that the breach affected personally identifiable information of about 4.65% of its customers but did not impact its own IT systems or financial operations. The incident has not had a material impact on the company’s operations or financial condition, and appropriate measures have been taken to notify affected customers and regulators.
MainStreet Bancshares held its Annual Meeting of Shareholders on May 21, 2025, where directors were elected for three-year terms, and the appointment of Yount, Hyde & Barbour, P.C. as the independent accounting firm for fiscal 2025 was ratified. Additionally, shareholders approved non-binding advisory votes on executive compensation but did not approve a proposal recommending the sale of the company. On May 23, 2025, the Board declared a quarterly cash dividend on its Series A Preferred Stock, payable on June 30, 2025, to shareholders of record as of June 13, 2025. The Depositary Shares are traded on the Nasdaq Capital Market under the symbol ‘MNSBP.’
Mainstreet Bancshares Inc. addressed inquiries about Director nominee Ali Reza Manouchehri, CEO of MetroStar Systems, LLC, and MetroStar’s involvement with the Avenu platform. MetroStar, a digital IT services provider, partnered with Object Computing, Inc. to develop the Avenu platform, with plans to transition the solution in-house by June 30, 2023. MainStreet Bank has not engaged MetroStar since December 31, 2023, and Mr. Manouchehri, who joined the Board on February 21, 2024, has only received standard Board compensation. He brings extensive expertise in technology and innovation to the Board and has been a significant customer and lead provider for the bank.